Colorado Auto Insurance Rates & Requirements
Colorado requires 25/50/15 liability coverage and is an at-fault state.
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Colorado at a Glance
25/50/15
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Optional
PIP and uninsured motorist coverage are not required by law
Source: state DMV, insurance department and statute records, verified July 2026
State Requirements
Colorado operates as an at-fault tort state, meaning the driver responsible for an accident is liable for damages. The state requires all registered vehicles to carry proof of financial responsibility, verified through the Colorado Department of Revenue's electronic verification system.
Bodily Injury Liability
Property Damage Liability
Uninsured/Underinsured Motorist Coverage
Medical Payments Coverage
Cost Overview
about $121/mo
Average car insurance spending in Colorado
Rate data: NAIC Auto Insurance Database, 2023
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Compare Auto Rates for FreeFrequently Asked Questions
Is Colorado a no-fault insurance state?
No, Colorado is an at-fault tort state. The driver who causes an accident is financially responsible for injuries and property damage. You can file a claim against the at-fault driver's insurance or sue them directly for damages exceeding their policy limits, making adequate liability coverage critical to protect personal assets.
Coverage Types
Liability Insurance
Covers bodily injury and property damage you cause to others. Colorado's 25/50/15 minimum is legally required but provides inadequate protection—most agents recommend 100/300/100 or higher to protect assets in serious accidents.
Full Coverage
Combines liability, collision, and comprehensive coverage to protect both your legal liability and your vehicle from all major risks. Lenders require full coverage on financed and leased vehicles.
Comprehensive Coverage
Pays for vehicle damage from non-collision events including theft, vandalism, fire, flooding, wildlife strikes, and weather. Covers hail damage, glass breakage, and falling objects minus your deductible.
Collision Coverage
Repairs or replaces your vehicle after accidents with other vehicles or objects, regardless of fault. Pays actual cash value minus your deductible, whether you hit another car, a guardrail, or roll over on black ice.
Uninsured Motorist Coverage
Protects you when an at-fault driver has no insurance or flees the scene. Covers your medical bills, lost wages, and vehicle damage up to your policy limits when the responsible party cannot pay.
SR-22 Insurance
Not a separate coverage type but a certificate of financial responsibility filed by your insurer with the Colorado DMV. Required after DUI/DWI convictions, driving without insurance, excessive points, or certain license suspensions.